---------------------------------------------------------------------------------------------------------------
      name:  <unnamed>
       log:  /hmda/hmda1/m1kpb00/CohenCole/Code/CreateNewTables2_output.log
  log type:  text
 opened on:   3 Nov 2010, 18:28:53

. 
. xtset stcnty
       panel variable:  stcnty (unbalanced)

. 
. *gen unusedlim = limit - bal
. gen sc_black = pctblack * tr_am
(132197 missing values generated)

. gen sc_black_my = pctblack_my * tr_am
(90999 missing values generated)

. 
. global demographics = " age gt_hs_male eq_hs_male gt_hs_female eq_hs_female nonmarried_male nonmarried_female
>  widowed_male widowed_female divorced_male divorced_female foreignborn "

. global incemp = " publicassistance employment income_10 income_15 income_20 income_25 income_30 income_35 inc
> ome_40 income_45 income_50 income_60 income_75 income_100 income_125 income_150 income_200 "

. global housing = " vacant ownocc withmort medianrent_b mhv "

. global income = " income_10 income_15 income_20 income_25 income_30 income_35 income_40 income_45 income_50 i
> ncome_60 income_75 income_100 income_125 income_150 income_200 "

. 
. global mydemographics = " age gt_hs_male_my eq_hs_male_my gt_hs_female_my eq_hs_female_my nonmarried_male_my 
> nonmarried_female_my widowed_male_my widowed_female_my divorced_male_my divorced_female_my foreignborn_my "

. global myincemp = "publicassistance_my employment_my income_10_my income_15_my income_20_my income_25_my inco
> me_30_my income_35_my income_40_my income_45_my income_50_my income_60_my income_75_my income_100_my income_1
> 25_my income_150_my income_200_my "

. global myincome = " income_10_my income_15_my income_20_my income_25_my income_30_my income_35_my income_40_m
> y income_45_my income_50_my income_60_my income_75_my income_100_my income_125_my income_150_my income_200_my
>  "

. global myhousing = " vacant_my ownocc_my withmort_my medianrent_b_my mhv_my "

. 
. 
. gen holdpctblack = pctblack
(48163 missing values generated)

. gen holdscblack = sc_black
(132197 missing values generated)

. gen holdmypctblack = pctblack_my
(151 missing values generated)

. gen holdmyscblack = sc_black_my
(90999 missing values generated)

. 
. *sum availcredit pctblack tr_am sc_black $demographics $incemp $housing if insample1==1
. 
. xtset stcnty
       panel variable:  stcnty (unbalanced)

. xtreg availcredit pctblack tr_am if insample1==1, fe 

Fixed-effects (within) regression               Number of obs      =    292308
Group variable: stcnty                          Number of groups   =      2957

R-sq:  within  = 0.0926                         Obs per group: min =         1
       between = 0.1532                                        avg =      98.9
       overall = 0.0979                                        max =     10219

                                                F(2,289349)        =  14771.11
corr(u_i, Xb)  = 0.0204                         Prob > F           =    0.0000

------------------------------------------------------------------------------
 availcredit |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
    pctblack |  -12.08102   .5876746   -20.56   0.000    -13.23284   -10.92919
       tr_am |   .0876244   .0005297   165.42   0.000     .0865862    .0886627
       _cons |  -29.40962   .3884063   -75.72   0.000    -30.17089   -28.64836
-------------+----------------------------------------------------------------
     sigma_u |  12.937648
     sigma_e |  44.757857
         rho |  .07711185   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2956, 289349) =     2.55        Prob > F = 0.0000

. xtreg unusedlim pctblack tr_am if insample1==1, fe

Fixed-effects (within) regression               Number of obs      =    292308
Group variable: stcnty                          Number of groups   =      2957

R-sq:  within  = 0.1186                         Obs per group: min =         1
       between = 0.2058                                        avg =      98.9
       overall = 0.1243                                        max =     10219

                                                F(2,289349)        =  19461.92
corr(u_i, Xb)  = 0.0177                         Prob > F           =    0.0000

------------------------------------------------------------------------------
   unusedlim |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
    pctblack |   -9.86314   .4819944   -20.46   0.000    -10.80784   -8.918444
       tr_am |   .0828544   .0004345   190.71   0.000     .0820029    .0837059
       _cons |  -28.62076   .3185601   -89.84   0.000    -29.24513   -27.99639
-------------+----------------------------------------------------------------
     sigma_u |  10.407799
     sigma_e |  36.709153
         rho |  .07440309   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2956, 289349) =     2.47        Prob > F = 0.0000

. xtreg unusedlim pctblack tr_am if insample2==1, fe

Fixed-effects (within) regression               Number of obs      =    340971
Group variable: stcnty                          Number of groups   =      2975

R-sq:  within  = 0.1509                         Obs per group: min =         1
       between = 0.2980                                        avg =     114.6
       overall = 0.1612                                        max =     11688

                                                F(2,337994)        =  30034.44
corr(u_i, Xb)  = 0.0412                         Prob > F           =    0.0000

------------------------------------------------------------------------------
   unusedlim |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
    pctblack |  -8.271903   .3948131   -20.95   0.000    -9.045726   -7.498081
       tr_am |   .0782159   .0003313   236.10   0.000     .0775666    .0788652
       _cons |  -26.35411   .2358636  -111.73   0.000     -26.8164   -25.89182
-------------+----------------------------------------------------------------
     sigma_u |  9.0133114
     sigma_e |  34.561258
         rho |   .0636815   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2974, 337994) =     2.61        Prob > F = 0.0000

. xtreg unusedlim pctblack tr_am $income if insample1==1, fe

Fixed-effects (within) regression               Number of obs      =    292308
Group variable: stcnty                          Number of groups   =      2957

R-sq:  within  = 0.1311                         Obs per group: min =         1
       between = 0.2874                                        avg =      98.9
       overall = 0.1462                                        max =     10219

                                                F(17,289334)       =   2567.68
corr(u_i, Xb)  = 0.0421                         Prob > F           =    0.0000

------------------------------------------------------------------------------
   unusedlim |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
    pctblack |   .0205845   .5474049     0.04   0.970    -1.052314    1.093483
       tr_am |   .0799143    .000434   184.12   0.000     .0790637     .080765
   income_10 |   3.767839   4.671943     0.81   0.420    -5.389041    12.92472
   income_15 |   1.349388   4.451122     0.30   0.762    -7.374688    10.07346
   income_20 |   2.749542    4.14128     0.66   0.507    -5.367251    10.86634
   income_25 |   3.021083   4.054174     0.75   0.456    -4.924986    10.96715
   income_30 |   4.576283   3.994394     1.15   0.252    -3.252619    12.40518
   income_35 |   2.726269   4.067578     0.67   0.503    -5.246071    10.69861
   income_40 |   3.287934   4.095897     0.80   0.422     -4.73991    11.31578
   income_45 |  -2.714731   4.261677    -0.64   0.524     -11.0675    5.638037
   income_50 |   6.029367   3.232696     1.87   0.062    -.3066261    12.36536
   income_60 |   9.758149   2.970686     3.28   0.001     3.935687    15.58061
   income_75 |   12.32745   2.898667     4.25   0.000     6.646144    18.00876
  income_100 |   24.37075    3.73301     6.53   0.000     17.05415    31.68734
  income_125 |   35.83073   5.193406     6.90   0.000      25.6518    46.00966
  income_150 |   51.84572   5.139221    10.09   0.000     41.77299    61.91845
  income_200 |   67.21444   3.169217    21.21   0.000     61.00286    73.42601
       _cons |  -37.27703    1.97563   -18.87   0.000    -41.14921   -33.40485
-------------+----------------------------------------------------------------
     sigma_u |  9.7998452
     sigma_e |  36.448509
         rho |  .06741656   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2956, 289334) =     1.38        Prob > F = 0.0000

. test $income

 ( 1)  income_10 = 0
 ( 2)  income_15 = 0
 ( 3)  income_20 = 0
 ( 4)  income_25 = 0
 ( 5)  income_30 = 0
 ( 6)  income_35 = 0
 ( 7)  income_40 = 0
 ( 8)  income_45 = 0
 ( 9)  income_50 = 0
 (10)  income_60 = 0
 (11)  income_75 = 0
 (12)  income_100 = 0
 (13)  income_125 = 0
 (14)  income_150 = 0
 (15)  income_200 = 0

       F( 15,289334) =  277.87
            Prob > F =    0.0000

. xtreg unusedlim pctblack tr_am $demographics $incemp $housing if insample1==1, fe

Fixed-effects (within) regression               Number of obs      =    292308
Group variable: stcnty                          Number of groups   =      2957

R-sq:  within  = 0.1347                         Obs per group: min =         1
       between = 0.2878                                        avg =      98.9
       overall = 0.1500                                        max =     10219

                                                F(36,289315)       =   1250.78
corr(u_i, Xb)  = 0.0326                         Prob > F           =    0.0000

------------------------------------------------------------------------------
   unusedlim |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
    pctblack |   1.666731   .6395148     2.61   0.009     .4132997    2.920162
       tr_am |   .0760124   .0004564   166.53   0.000     .0751178     .076907
         age |   .1008914   .0042481    23.75   0.000     .0925652    .1092176
  gt_hs_male |   3.659374   1.854142     1.97   0.048     .0253066    7.293441
  eq_hs_male |  -2.447422   2.109397    -1.16   0.246     -6.58178    1.686937
gt_hs_female |   4.993315    2.08732     2.39   0.017     .9022261    9.084403
eq_hs_female |   6.934836   2.239573     3.10   0.002     2.545335    11.32434
nonmar~_male |  -1.843232   1.797346    -1.03   0.305     -5.36598    1.679516
nonmar~emale |  -10.57607   2.022191    -5.23   0.000    -14.53951   -6.612636
widowed_male |   4.525844   5.810176     0.78   0.436     -6.86194    15.91363
widowed_fe~e |  -2.895017   2.518931    -1.15   0.250    -7.832052    2.042017
divorced_m~e |   .1664762   3.044039     0.05   0.956    -5.799755    6.132708
divorced_f~e |    8.76072   2.806657     3.12   0.002      3.25975    14.26169
 foreignborn |    5.21169   1.348579     3.86   0.000     2.568513    7.854866
publicassi~e |   5.092235   4.131006     1.23   0.218    -3.004422    13.18889
  employment |   1.850288   1.503213     1.23   0.218    -1.095968    4.796543
   income_10 |   -5.04395   4.771035    -1.06   0.290    -14.39504    4.307146
   income_15 |  -7.427353   4.560083    -1.63   0.103    -16.36499    1.510283
   income_20 |  -6.762483   4.282366    -1.58   0.114     -15.1558    1.630835
   income_25 |  -6.642365   4.213252    -1.58   0.115    -14.90022    1.615492
   income_30 |  -7.021786   4.185811    -1.68   0.093    -15.22586    1.182286
   income_35 |  -9.661158   4.294556    -2.25   0.024    -18.07837   -1.243947
   income_40 |  -9.650456   4.358199    -2.21   0.027    -18.19241   -1.108506
   income_45 |  -16.10947   4.547226    -3.54   0.000     -25.0219   -7.197031
   income_50 |   -8.87677   3.664181    -2.42   0.015    -16.05846   -1.695077
   income_60 |  -6.531597   3.527351    -1.85   0.064    -13.44511    .3819132
   income_75 |  -4.827622   3.497164    -1.38   0.167    -11.68197    2.026722
  income_100 |   3.941255   4.263891     0.92   0.355    -4.415854    12.29836
  income_125 |   13.21548   5.624193     2.35   0.019     2.192215    24.23874
  income_150 |   23.72472    5.59974     4.24   0.000     12.74938    34.70005
  income_200 |   19.20265   3.986452     4.82   0.000     11.38931    27.01598
      vacant |   .9364186   1.369338     0.68   0.494    -1.747446    3.620283
      ownocc |   3.719617    .849219     4.38   0.000     2.055171    5.384062
    withmort |  -1.551209   .9499919    -1.63   0.102    -3.413166    .3107492
medianrent_b |   1.788586   .3197636     5.59   0.000     1.161858    2.415314
         mhv |   .0216833    .001213    17.88   0.000     .0193059    .0240608
       _cons |  -37.42067   2.789075   -13.42   0.000    -42.88718   -31.95416
-------------+----------------------------------------------------------------
     sigma_u |  9.7963353
     sigma_e |  36.374385
         rho |   .0676278   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2956, 289315) =     1.28        Prob > F = 0.0000

. 
. xtreg limit util_dol pctblack tr_am if insample1==1, fe 

Fixed-effects (within) regression               Number of obs      =    292308
Group variable: stcnty                          Number of groups   =      2957

R-sq:  within  = 0.3695                         Obs per group: min =         1
       between = 0.4059                                        avg =      98.9
       overall = 0.3756                                        max =     10219

                                                F(3,289348)        =  56526.05
corr(u_i, Xb)  = 0.0555                         Prob > F           =    0.0000

------------------------------------------------------------------------------
       limit |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
    util_dol |   1.859935   .0049774   373.68   0.000     1.850179     1.86969
    pctblack |   -8.97841   .5598116   -16.04   0.000    -10.07563   -7.881195
       tr_am |   .0916903   .0005049   181.61   0.000     .0907008    .0926799
       _cons |  -38.83721   .3738049  -103.90   0.000    -39.56986   -38.10456
-------------+----------------------------------------------------------------
     sigma_u |  12.127835
     sigma_e |  42.613839
         rho |  .07492747   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2956, 289348) =     2.16        Prob > F = 0.0000

. xtreg limit bal pctblack tr_am if insample1==1, fe

Fixed-effects (within) regression               Number of obs      =    292308
Group variable: stcnty                          Number of groups   =      2957

R-sq:  within  = 0.5652                         Obs per group: min =         1
       between = 0.6343                                        avg =      98.9
       overall = 0.5699                                        max =     10219

                                                F(3,289348)        = 125351.56
corr(u_i, Xb)  = 0.0642                         Prob > F           =    0.0000

------------------------------------------------------------------------------
       limit |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
         bal |    1.34594   .0023337   576.75   0.000     1.341366    1.350514
    pctblack |  -7.847747   .4648718   -16.88   0.000    -8.758883   -6.936611
       tr_am |   .0828399   .0004188   197.78   0.000      .082019    .0836608
       _cons |  -32.14046   .3080285  -104.34   0.000    -32.74419   -31.53673
-------------+----------------------------------------------------------------
     sigma_u |  9.5813116
     sigma_e |  35.389937
         rho |  .06829205   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2956, 289348) =     2.03        Prob > F = 0.0000

. xtreg limit bal pctblack tr_am if insample2==1, fe

Fixed-effects (within) regression               Number of obs      =    340971
Group variable: stcnty                          Number of groups   =      2975

R-sq:  within  = 0.5799                         Obs per group: min =         1
       between = 0.6234                                        avg =     114.6
       overall = 0.5866                                        max =     11688

                                                F(3,337993)        = 155497.07
corr(u_i, Xb)  = 0.0732                         Prob > F           =    0.0000

------------------------------------------------------------------------------
       limit |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
         bal |    1.34995   .0021743   620.87   0.000     1.345689    1.354212
    pctblack |  -6.460931   .3806679   -16.97   0.000    -7.207029   -5.714833
       tr_am |   .0753076   .0003198   235.50   0.000     .0746809    .0759344
       _cons |  -27.55922    .227437  -121.17   0.000    -28.00499   -27.11345
-------------+----------------------------------------------------------------
     sigma_u |  8.3807434
     sigma_e |  33.308448
         rho |  .05953843   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2974, 337993) =     2.12        Prob > F = 0.0000

. xtreg limit bal pctblack tr_am $income if insample1==1, fe

Fixed-effects (within) regression               Number of obs      =    292308
Group variable: stcnty                          Number of groups   =      2957

R-sq:  within  = 0.5697                         Obs per group: min =         1
       between = 0.6655                                        avg =      98.9
       overall = 0.5778                                        max =     10219

                                                F(18,289333)       =  21278.74
corr(u_i, Xb)  = 0.0407                         Prob > F           =    0.0000

------------------------------------------------------------------------------
       limit |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
         bal |   1.335782   .0023297   573.36   0.000     1.331216    1.340348
    pctblack |   .3313805   .5287578     0.63   0.531      -.70497    1.367731
       tr_am |   .0803836   .0004192   191.73   0.000     .0795619    .0812054
   income_10 |   4.320681    4.51276     0.96   0.338    -4.524203    13.16557
   income_15 |   2.929697   4.299475     0.68   0.496    -5.497154    11.35655
   income_20 |   3.428302   4.000179     0.86   0.391    -4.411936    11.26854
   income_25 |   4.613097   3.916054     1.18   0.239    -3.062259    12.28845
   income_30 |   4.456772   3.858295     1.16   0.248     -3.10538    12.01892
   income_35 |   3.932971   3.928994     1.00   0.317    -3.767748    11.63369
   income_40 |   3.083448    3.95634     0.78   0.436    -4.670868    10.83776
   income_45 |  -1.802039   4.116476    -0.44   0.662    -9.870216    6.266139
   income_50 |   4.450559   3.122569     1.43   0.154    -1.669589    10.57071
   income_60 |   7.543309   2.869508     2.63   0.009     1.919153    13.16747
   income_75 |    10.5015    2.79993     3.75   0.000      5.01371    15.98928
  income_100 |   22.78775   3.605833     6.32   0.000     15.72042    29.85509
  income_125 |      36.43   5.016455     7.26   0.000     26.59788    46.26211
  income_150 |   47.78579   4.964195     9.63   0.000     38.05611    57.51547
  income_200 |     50.142   3.063524    16.37   0.000     44.13758    56.14642
       _cons |  -39.99867   1.908409   -20.96   0.000     -43.7391   -36.25824
-------------+----------------------------------------------------------------
     sigma_u |  9.1644588
     sigma_e |  35.206614
         rho |  .06345882   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2956, 289333) =     1.25        Prob > F = 0.0000

. test $income

 ( 1)  income_10 = 0
 ( 2)  income_15 = 0
 ( 3)  income_20 = 0
 ( 4)  income_25 = 0
 ( 5)  income_30 = 0
 ( 6)  income_35 = 0
 ( 7)  income_40 = 0
 ( 8)  income_45 = 0
 ( 9)  income_50 = 0
 (10)  income_60 = 0
 (11)  income_75 = 0
 (12)  income_100 = 0
 (13)  income_125 = 0
 (14)  income_150 = 0
 (15)  income_200 = 0

       F( 15,289333) =  202.41
            Prob > F =    0.0000

. xtreg limit bal pctblack tr_am $demographics $incemp $housing if insample1==1, fe

Fixed-effects (within) regression               Number of obs      =    292308
Group variable: stcnty                          Number of groups   =      2957

R-sq:  within  = 0.5713                         Obs per group: min =         1
       between = 0.6640                                        avg =      98.9
       overall = 0.5794                                        max =     10219

                                                F(37,289314)       =  10419.91
corr(u_i, Xb)  = 0.0331                         Prob > F           =    0.0000

------------------------------------------------------------------------------
       limit |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
         bal |   1.334507   .0023272   573.44   0.000     1.329945    1.339068
    pctblack |   1.704661    .617836     2.76   0.006     .4937196    2.915603
       tr_am |   .0765022    .000441   173.48   0.000     .0756378    .0773665
         age |   .1034582   .0041042    25.21   0.000     .0954141    .1115022
  gt_hs_male |   3.803227   1.791289     2.12   0.034     .2923497    7.314104
  eq_hs_male |   -2.45409    2.03789    -1.20   0.229    -6.448298    1.540118
gt_hs_female |   3.713656   2.016581     1.84   0.066    -.2387876      7.6661
eq_hs_female |   6.078539   2.163662     2.81   0.005     1.837821    10.31926
nonmar~_male |  -1.212659   1.736423    -0.70   0.485       -4.616    2.190683
nonmar~emale |  -10.04866   1.953645    -5.14   0.000    -13.87775   -6.219569
widowed_male |   4.913594   5.613218     0.88   0.381    -6.088157    15.91535
widowed_fe~e |  -3.175623   2.433543    -1.30   0.192    -7.945299    1.594053
divorced_m~e |  -.5120116   2.940853    -0.17   0.862    -6.276002    5.251979
divorced_f~e |   7.706951   2.711525     2.84   0.004     2.392438    13.02146
 foreignborn |   5.144979   1.302864     3.95   0.000     2.591403    7.698555
publicassi~e |   5.350177    3.99097     1.34   0.180    -2.472013    13.17237
  employment |   .9545142   1.452269     0.66   0.511    -1.891893    3.800921
   income_10 |  -4.073342   4.609307    -0.88   0.377    -13.10746    4.960771
   income_15 |  -5.461254   4.405523    -1.24   0.215    -14.09596    3.173448
   income_20 |  -5.453732   4.137208    -1.32   0.187    -13.56254    2.655081
   income_25 |  -4.132389   4.070465    -1.02   0.310    -12.11039    3.845609
   income_30 |  -5.673959   4.043927    -1.40   0.161    -13.59994    2.252026
   income_35 |  -6.957172   4.149018    -1.68   0.094    -15.08913    1.174788
   income_40 |  -8.168571   4.210474    -1.94   0.052    -16.42098    .0838403
   income_45 |  -13.52571   4.393116    -3.08   0.002    -22.13609   -4.915321
   income_50 |  -8.428001   3.539971    -2.38   0.017    -15.36624   -1.489757
   income_60 |  -6.444531   3.407778    -1.89   0.059    -13.12368    .2346184
   income_75 |  -4.444379   3.378615    -1.32   0.188    -11.06637    2.177612
  income_100 |    5.04812   4.119357     1.23   0.220    -3.025705    13.12195
  income_125 |   16.70149   5.433593     3.07   0.002     6.051802    27.35118
  income_150 |   23.81113   5.409915     4.40   0.000     13.20785    34.41441
  income_200 |   11.46392   3.851692     2.98   0.003     3.914707    19.01313
      vacant |   .2347668   1.322928     0.18   0.859    -2.358135    2.827669
      ownocc |    3.23343   .8204384     3.94   0.000     1.625393    4.841466
    withmort |  -1.456193   .9177885    -1.59   0.113    -3.255033    .3426467
medianrent_b |   1.655275   .3089253     5.36   0.000      1.04979    2.260761
         mhv |   .0159371   .0011725    13.59   0.000      .013639    .0182353
       _cons |  -39.47992   2.694566   -14.65   0.000     -44.7612   -34.19865
-------------+----------------------------------------------------------------
     sigma_u |   9.181353
     sigma_e |  35.141333
         rho |  .06389976   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2956, 289314) =     1.18        Prob > F = 0.0000

. 
. xtreg availcredit pctblack sc_black tr_am if insample1==1, fe

Fixed-effects (within) regression               Number of obs      =    292308
Group variable: stcnty                          Number of groups   =      2957

R-sq:  within  = 0.0934                         Obs per group: min =         1
       between = 0.1486                                        avg =      98.9
       overall = 0.0987                                        max =     10219

                                                F(3,289348)        =   9942.07
corr(u_i, Xb)  = 0.0162                         Prob > F           =    0.0000

------------------------------------------------------------------------------
 availcredit |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
    pctblack |   13.11902   1.675921     7.83   0.000     9.834262    16.40378
    sc_black |  -.0413218   .0025738   -16.06   0.000    -.0463663   -.0362773
       tr_am |   .0926776    .000616   150.46   0.000     .0914704    .0938849
       _cons |  -32.78119   .4413908   -74.27   0.000     -33.6463   -31.91607
-------------+----------------------------------------------------------------
     sigma_u |  12.997931
     sigma_e |  44.738011
         rho |  .07783976   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2956, 289348) =     2.56        Prob > F = 0.0000

. xtreg unusedlim pctblack sc_black tr_am if insample1==1, fe

Fixed-effects (within) regression               Number of obs      =    292308
Group variable: stcnty                          Number of groups   =      2957

R-sq:  within  = 0.1195                         Obs per group: min =         1
       between = 0.2038                                        avg =      98.9
       overall = 0.1251                                        max =     10219

                                                F(3,289348)        =  13092.02
corr(u_i, Xb)  = 0.0131                         Prob > F           =    0.0000

------------------------------------------------------------------------------
   unusedlim |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
    pctblack |   12.82193   1.374419     9.33   0.000     10.12811    15.51576
    sc_black |  -.0371979   .0021107   -17.62   0.000    -.0413349   -.0330609
       tr_am |   .0874033   .0005051   173.03   0.000     .0864132    .0883933
       _cons |  -31.65584   .3619835   -87.45   0.000    -32.36532   -30.94637
-------------+----------------------------------------------------------------
     sigma_u |  10.437103
     sigma_e |  36.689531
         rho |  .07486531   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2956, 289348) =     2.47        Prob > F = 0.0000

. xtreg unusedlim pctblack sc_black tr_am if insample2==1, fe

Fixed-effects (within) regression               Number of obs      =    340971
Group variable: stcnty                          Number of groups   =      2975

R-sq:  within  = 0.1525                         Obs per group: min =         1
       between = 0.2980                                        avg =     114.6
       overall = 0.1627                                        max =     11688

                                                F(3,337993)        =  20265.11
corr(u_i, Xb)  = 0.0342                         Prob > F           =    0.0000

------------------------------------------------------------------------------
   unusedlim |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
    pctblack |   13.31966   .9545748    13.95   0.000     11.44872     15.1906
    sc_black |  -.0392276   .0015793   -24.84   0.000    -.0423229   -.0361322
       tr_am |   .0831295   .0003856   215.59   0.000     .0823737    .0838852
       _cons |  -29.42035   .2660246  -110.59   0.000    -29.94175   -28.89895
-------------+----------------------------------------------------------------
     sigma_u |  9.0397053
     sigma_e |  34.529808
         rho |   .0641403   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2974, 337993) =     2.61        Prob > F = 0.0000

. xtreg unusedlim pctblack sc_black tr_am $income if insample1==1, fe

Fixed-effects (within) regression               Number of obs      =    292308
Group variable: stcnty                          Number of groups   =      2957

R-sq:  within  = 0.1316                         Obs per group: min =         1
       between = 0.2864                                        avg =      98.9
       overall = 0.1467                                        max =     10219

                                                F(18,289333)       =   2435.83
corr(u_i, Xb)  = 0.0415                         Prob > F           =    0.0000

------------------------------------------------------------------------------
   unusedlim |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
    pctblack |   16.52395   1.382264    11.95   0.000     13.81475    19.23314
    sc_black |  -.0273338   .0021023   -13.00   0.000    -.0314542   -.0232133
       tr_am |   .0833039   .0005062   164.57   0.000     .0823118     .084296
   income_10 |   3.798766   4.670588     0.81   0.416    -5.355456    12.95299
   income_15 |   1.157394   4.449854     0.26   0.795    -7.564197    9.878985
   income_20 |   2.685814   4.140081     0.65   0.517    -5.428629    10.80026
   income_25 |   2.961377      4.053     0.73   0.465    -4.982391    10.90514
   income_30 |   4.561644   3.993235     1.14   0.253    -3.264986    12.38827
   income_35 |   2.869292   4.066412     0.71   0.480    -5.100762    10.83935
   income_40 |   3.183957   4.094716     0.78   0.437    -4.841572    11.20949
   income_45 |  -2.740804    4.26044    -0.64   0.520    -11.09115    5.609541
   income_50 |   5.917519   3.231769     1.83   0.067    -.4166581     12.2517
   income_60 |   9.553215   2.969865     3.22   0.001     3.732361    15.37407
   income_75 |   12.01987   2.897922     4.15   0.000     6.340026    17.69972
  income_100 |   23.79678   3.732187     6.38   0.000      16.4818    31.11176
  income_125 |   35.22894   5.192105     6.79   0.000     25.05255    45.40532
  income_150 |   51.08245   5.138065     9.94   0.000     41.01198    61.15291
  income_200 |    66.4393   3.168858    20.97   0.000     60.22843    72.65017
       _cons |  -39.34819    1.98147   -19.86   0.000    -43.23181   -35.46456
-------------+----------------------------------------------------------------
     sigma_u |  9.8075815
     sigma_e |  36.437929
         rho |  .06755242   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2956, 289333) =     1.38        Prob > F = 0.0000

. test $income

 ( 1)  income_10 = 0
 ( 2)  income_15 = 0
 ( 3)  income_20 = 0
 ( 4)  income_25 = 0
 ( 5)  income_30 = 0
 ( 6)  income_35 = 0
 ( 7)  income_40 = 0
 ( 8)  income_45 = 0
 ( 9)  income_50 = 0
 (10)  income_60 = 0
 (11)  income_75 = 0
 (12)  income_100 = 0
 (13)  income_125 = 0
 (14)  income_150 = 0
 (15)  income_200 = 0

       F( 15,289333) =  268.31
            Prob > F =    0.0000

. xtreg unusedlim pctblack sc_black tr_am $demographics $incemp $housing if insample1==1, fe

Fixed-effects (within) regression               Number of obs      =    292308
Group variable: stcnty                          Number of groups   =      2957

R-sq:  within  = 0.1351                         Obs per group: min =         1
       between = 0.2880                                        avg =      98.9
       overall = 0.1504                                        max =     10219

                                                F(37,289314)       =   1221.40
corr(u_i, Xb)  = 0.0287                         Prob > F           =    0.0000

------------------------------------------------------------------------------
   unusedlim |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
    pctblack |   16.82671   1.424762    11.81   0.000     14.03421     19.6192
    sc_black |  -.0250449   .0021035   -11.91   0.000    -.0291676   -.0209221
       tr_am |   .0791691   .0005278   150.01   0.000     .0781347    .0802035
         age |   .0997442   .0042482    23.48   0.000     .0914179    .1080705
  gt_hs_male |   3.800132   1.853729     2.05   0.040     .1668749     7.43339
  eq_hs_male |  -2.292591   2.108924    -1.09   0.277    -6.426023    1.840841
gt_hs_female |   4.687078   2.086971     2.25   0.025     .5966733    8.777482
eq_hs_female |   6.620048   2.239185     2.96   0.003     2.231308    11.00879
nonmar~_male |  -1.695386   1.796952    -0.94   0.345    -5.217361     1.82659
nonmar~emale |  -10.45867   2.021724    -5.17   0.000    -14.42119   -6.496149
widowed_male |   4.433662   5.808768     0.76   0.445    -6.951362    15.81869
widowed_fe~e |  -2.961514   2.518325    -1.18   0.240     -7.89736    1.974332
divorced_m~e |   .5504297   3.043469     0.18   0.856    -5.414686    6.515545
divorced_f~e |   9.074831   2.806099     3.23   0.001     3.574955    14.57471
 foreignborn |   5.630523    1.34871     4.17   0.000      2.98709    8.273956
publicassi~e |   4.611811   4.130199     1.12   0.264    -3.483263    12.70689
  employment |   1.860342   1.502848     1.24   0.216    -1.085198    4.805881
   income_10 |  -4.709927   4.769957    -0.99   0.323    -14.05891    4.639056
   income_15 |  -7.299055   4.558987    -1.60   0.109    -16.23454    1.636433
   income_20 |  -6.591252   4.281348    -1.54   0.124    -14.98258    1.800071
   income_25 |  -6.516065   4.212241    -1.55   0.122    -14.77194    1.739811
   income_30 |  -6.881131   4.184809    -1.64   0.100    -15.08324    1.320979
   income_35 |  -9.335564   4.293599    -2.17   0.030     -17.7509   -.9202291
   income_40 |  -9.500389   4.357158    -2.18   0.029     -18.0403    -.960481
   income_45 |  -15.81624   4.546187    -3.48   0.001    -24.72664   -6.905845
   income_50 |  -8.610868   3.663358    -2.35   0.019    -15.79095   -1.430789
   income_60 |   -6.30884   3.526543    -1.79   0.074    -13.22077    .6030861
   income_75 |  -4.676173   3.496337    -1.34   0.181     -11.5289    2.176549
  income_100 |   3.907947   4.262855     0.92   0.359    -4.447131    12.26302
  income_125 |   13.12381   5.622831     2.33   0.020     2.103214     24.1444
  income_150 |   23.55854   5.598396     4.21   0.000     12.58584    34.53124
  income_200 |   19.21388   3.985483     4.82   0.000     11.40245    27.02532
      vacant |   .8491851   1.369024     0.62   0.535    -1.834065    3.532435
      ownocc |   3.583987   .8490889     4.22   0.000     1.919797    5.248178
    withmort |  -1.371423   .9498809    -1.44   0.149    -3.233164    .4903168
medianrent_b |   1.797128   .3196866     5.62   0.000     1.170551    2.423705
         mhv |   .0215672   .0012127    17.78   0.000     .0191903    .0239442
       _cons |  -39.66234   2.794746   -14.19   0.000    -45.13997   -34.18472
-------------+----------------------------------------------------------------
     sigma_u |  9.7957887
     sigma_e |  36.365539
         rho |  .06765144   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2956, 289314) =     1.29        Prob > F = 0.0000

. xtreg unusedlim pctblack sc_black tr_am $demographics $incemp $housing if insample2==1, fe

Fixed-effects (within) regression               Number of obs      =    340971
Group variable: stcnty                          Number of groups   =      2975

R-sq:  within  = 0.1668                         Obs per group: min =         1
       between = 0.3753                                        avg =     114.6
       overall = 0.1857                                        max =     11688

                                                F(37,337959)       =   1828.02
corr(u_i, Xb)  = 0.0342                         Prob > F           =    0.0000

------------------------------------------------------------------------------
   unusedlim |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
    pctblack |   17.63995   1.014158    17.39   0.000     15.65223    19.62767
    sc_black |  -.0289822   .0015765   -18.38   0.000     -.032072   -.0258923
       tr_am |   .0758134   .0004071   186.21   0.000     .0750155    .0766114
         age |   .0839605   .0037216    22.56   0.000     .0766662    .0912548
  gt_hs_male |   3.387046   1.601792     2.11   0.034     .2475799    6.526512
  eq_hs_male |  -1.915329    1.81502    -1.06   0.291    -5.472716    1.642058
gt_hs_female |   4.150721   1.804594     2.30   0.021     .6137689    7.687673
eq_hs_female |   5.796097     1.9317     3.00   0.003      2.01002    9.582173
nonmar~_male |  -2.497473   1.561612    -1.60   0.110    -5.558187    .5632407
nonmar~emale |  -9.231725   1.762354    -5.24   0.000    -12.68589   -5.777563
widowed_male |   2.691945   5.024073     0.54   0.592    -7.155092    12.53898
widowed_fe~e |  -3.070974   2.189862    -1.40   0.161     -7.36304    1.221092
divorced_m~e |  -.0610226    2.63556    -0.02   0.982    -5.226643    5.104598
divorced_f~e |   8.426877   2.442502     3.45   0.001     3.639644    13.21411
 foreignborn |    4.97647   1.175461     4.23   0.000       2.6726    7.280341
publicassi~e |   4.318587   3.476309     1.24   0.214    -2.494877    11.13205
  employment |   .9792119   1.308716     0.75   0.454    -1.585834    3.544258
   income_10 |  -3.677575   4.086687    -0.90   0.368    -11.68736    4.332214
   income_15 |  -7.041651   3.907967    -1.80   0.072    -14.70115    .6178513
   income_20 |  -5.552713   3.669096    -1.51   0.130    -12.74403    1.638608
   income_25 |  -5.197885   3.631163    -1.43   0.152    -12.31486    1.919089
   income_30 |  -7.001682   3.606042    -1.94   0.052    -14.06942     .066055
   income_35 |  -8.741028   3.713293    -2.35   0.019    -16.01897   -1.463082
   income_40 |  -8.926707   3.773435    -2.37   0.018    -16.32253   -1.530885
   income_45 |  -14.62614   3.942748    -3.71   0.000    -22.35381   -6.898464
   income_50 |   -9.46758   3.175182    -2.98   0.003    -15.69085   -3.244315
   income_60 |  -6.616868    3.05694    -2.16   0.030    -12.60838   -.6253537
   income_75 |  -5.112736    3.04394    -1.68   0.093    -11.07877    .8532989
  income_100 |   4.181128    3.74576     1.12   0.264    -3.160452    11.52271
  income_125 |   13.22353   4.984828     2.65   0.008     3.453414    22.99365
  income_150 |   24.14327   4.971196     4.86   0.000     14.39987    33.88667
  income_200 |   19.04129   3.513476     5.42   0.000     12.15498     25.9276
      vacant |   .6931254   1.198225     0.58   0.563    -1.655362    3.041613
      ownocc |   3.394177   .7377526     4.60   0.000     1.948203     4.84015
    withmort |  -1.136783   .8189792    -1.39   0.165    -2.741959    .4683926
medianrent_b |   1.792202   .2866176     6.25   0.000      1.23044    2.353964
         mhv |     .02024   .0010804    18.73   0.000     .0181224    .0223576
       _cons |  -35.72554   2.379474   -15.01   0.000    -40.38924   -31.06184
-------------+----------------------------------------------------------------
     sigma_u |  8.4540065
     sigma_e |  34.238805
         rho |  .05746276   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2974, 337959) =     1.32        Prob > F = 0.0000

. 
. 
. xtreg limit util_dol pctblack sc_black tr_am if insample1==1, fe

Fixed-effects (within) regression               Number of obs      =    292308
Group variable: stcnty                          Number of groups   =      2957

R-sq:  within  = 0.3706                         Obs per group: min =         1
       between = 0.3994                                        avg =      98.9
       overall = 0.3767                                        max =     10219

                                                F(4,289347)        =  42600.96
corr(u_i, Xb)  = 0.0529                         Prob > F           =    0.0000

------------------------------------------------------------------------------
       limit |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
    util_dol |   1.863836   .0049758   374.58   0.000     1.854084    1.873589
    pctblack |   25.14966    1.59642    15.75   0.000     22.02072    28.27859
    sc_black |  -.0559385   .0024508   -22.82   0.000     -.060742    -.051135
       tr_am |   .0985495   .0005872   167.84   0.000     .0973986    .0997003
       _cons |  -43.44416   .4245229  -102.34   0.000    -44.27621   -42.61211
-------------+----------------------------------------------------------------
     sigma_u |  12.198903
     sigma_e |  42.575602
         rho |  .07586724   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2956, 289347) =     2.16        Prob > F = 0.0000

. xtreg limit bal pctblack sc_black tr_am if insample1==1, fe

Fixed-effects (within) regression               Number of obs      =    292308
Group variable: stcnty                          Number of groups   =      2957

R-sq:  within  = 0.5658                         Obs per group: min =         1
       between = 0.6330                                        avg =      98.9
       overall = 0.5705                                        max =     10219

                                                F(4,289347)        =  94254.05
corr(u_i, Xb)  = 0.0621                         Prob > F           =    0.0000

------------------------------------------------------------------------------
       limit |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
         bal |    1.34664   .0023322   577.41   0.000     1.342069    1.351211
    pctblack |   17.54661    1.32516    13.24   0.000     14.94933    20.14388
    sc_black |  -.0416338   .0020347   -20.46   0.000    -.0456218   -.0376458
       tr_am |   .0879312   .0004869   180.59   0.000     .0869769    .0888855
       _cons |  -35.54459   .3498894  -101.59   0.000    -36.23037   -34.85882
-------------+----------------------------------------------------------------
     sigma_u |  9.5942293
     sigma_e |  35.364422
         rho |  .06855576   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2956, 289347) =     2.03        Prob > F = 0.0000

. xtreg limit bal pctblack sc_black tr_am if insample2==1, fe

Fixed-effects (within) regression               Number of obs      =    340971
Group variable: stcnty                          Number of groups   =      2975

R-sq:  within  = 0.5808                         Obs per group: min =         1
       between = 0.6207                                        avg =     114.6
       overall = 0.5875                                        max =     11688

                                                F(4,337992)        = 117066.71
corr(u_i, Xb)  = 0.0695                         Prob > F           =    0.0000

------------------------------------------------------------------------------
       limit |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
         bal |   1.350519    .002172   621.79   0.000     1.346262    1.354776
    pctblack |    16.4291   .9199982    17.86   0.000     14.62593    18.23227
    sc_black |  -.0415813   .0015218   -27.32   0.000     -.044564   -.0385986
       tr_am |   .0805113   .0003719   216.49   0.000     .0797824    .0812402
       _cons |   -30.8114   .2564773  -120.13   0.000    -31.31409   -30.30872
-------------+----------------------------------------------------------------
     sigma_u |  8.3961676
     sigma_e |  33.271771
         rho |  .05986858   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2974, 337992) =     2.12        Prob > F = 0.0000

. xtreg limit bal pctblack sc_black tr_am $income if insample1==1, fe

Fixed-effects (within) regression               Number of obs      =    292308
Group variable: stcnty                          Number of groups   =      2957

R-sq:  within  = 0.5701                         Obs per group: min =         1
       between = 0.6661                                        avg =      98.9
       overall = 0.5781                                        max =     10219

                                                F(19,289332)       =  20191.77
corr(u_i, Xb)  = 0.0411                         Prob > F           =    0.0000

------------------------------------------------------------------------------
       limit |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
         bal |    1.33657   .0023291   573.85   0.000     1.332005    1.341135
    pctblack |   20.48202   1.335215    15.34   0.000     17.86504    23.09901
    sc_black |  -.0333734   .0020308   -16.43   0.000    -.0373536   -.0293931
       tr_am |   .0845233   .0004889   172.87   0.000      .083565    .0854816
   income_10 |    4.35974   4.510664     0.97   0.334    -4.481036    13.20051
   income_15 |   2.698989     4.2975     0.63   0.530    -5.723991    11.12197
   income_20 |   3.352085   3.998323     0.84   0.402    -4.484516    11.18869
   income_25 |   4.543933   3.914236     1.16   0.246    -3.127861    12.21573
   income_30 |   4.438618   3.856503     1.15   0.250     -3.12002    11.99726
   income_35 |   4.110428   3.927183     1.05   0.295    -3.586742     11.8076
   income_40 |   2.956017   3.954509     0.75   0.455     -4.79471    10.70674
   income_45 |  -1.831732   4.114563    -0.45   0.656    -9.896161    6.232698
   income_50 |   4.310292   3.121129     1.38   0.167    -1.807034    10.42762
   income_60 |   7.287897   2.868217     2.54   0.011     1.666272    12.90952
   income_75 |   10.12167   2.798725     3.62   0.000      4.63625    15.60709
  income_100 |   22.08325   3.604413     6.13   0.000      15.0187     29.1478
  income_125 |   35.69663   5.014323     7.12   0.000      25.8687    45.52457
  income_150 |   46.84434   4.962219     9.44   0.000     37.11853    56.57015
  income_200 |   49.15554   3.062689    16.05   0.000     43.15275    55.15832
       _cons |  -42.53386    1.91375   -22.23   0.000    -46.28475   -38.78296
-------------+----------------------------------------------------------------
     sigma_u |  9.1591752
     sigma_e |  35.190255
         rho |  .06344552   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2956, 289332) =     1.25        Prob > F = 0.0000

. test $income

 ( 1)  income_10 = 0
 ( 2)  income_15 = 0
 ( 3)  income_20 = 0
 ( 4)  income_25 = 0
 ( 5)  income_30 = 0
 ( 6)  income_35 = 0
 ( 7)  income_40 = 0
 ( 8)  income_45 = 0
 ( 9)  income_50 = 0
 (10)  income_60 = 0
 (11)  income_75 = 0
 (12)  income_100 = 0
 (13)  income_125 = 0
 (14)  income_150 = 0
 (15)  income_200 = 0

       F( 15,289332) =  192.41
            Prob > F =    0.0000

. xtreg limit bal pctblack sc_black tr_am $demographics $incemp $housing if insample1==1, fe

Fixed-effects (within) regression               Number of obs      =    292308
Group variable: stcnty                          Number of groups   =      2957

R-sq:  within  = 0.5716                         Obs per group: min =         1
       between = 0.6651                                        avg =      98.9
       overall = 0.5798                                        max =     10219

                                                F(38,289313)       =  10160.16
corr(u_i, Xb)  = 0.0309                         Prob > F           =    0.0000

------------------------------------------------------------------------------
       limit |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
         bal |   1.335262   .0023268   573.87   0.000     1.330702    1.339823
    pctblack |   20.61019    1.37649    14.97   0.000     17.91231    23.30808
    sc_black |  -.0312325   .0020323   -15.37   0.000    -.0352157   -.0272493
       tr_am |   .0804399   .0005099   157.77   0.000     .0794406    .0814392
         age |   .1020333   .0041035    24.86   0.000     .0939905    .1100761
  gt_hs_male |   3.979086   1.790598     2.22   0.026     .4695637    7.488609
  eq_hs_male |  -2.261021   2.037101    -1.11   0.267    -6.253683    1.731641
gt_hs_female |   3.328868   2.015918     1.65   0.099    -.6222744    7.280011
eq_hs_female |   5.684044   2.162936     2.63   0.009      1.44475    9.923338
nonmar~_male |   -1.02686    1.73576    -0.59   0.554    -4.428902    2.375181
nonmar~emale |  -9.901057   1.952875    -5.07   0.000    -13.72864   -6.073477
widowed_male |   4.799514   5.610943     0.86   0.392    -6.197778    15.79681
widowed_fe~e |  -3.259182    2.43256    -1.34   0.180    -8.026933    1.508569
divorced_m~e |    -.03473   2.939823    -0.01   0.991    -5.796701    5.727241
divorced_f~e |   8.096286   2.710542     2.99   0.003       2.7837    13.40887
 foreignborn |    5.66714   1.302777     4.35   0.000     3.113733    8.220548
publicassi~e |    4.75164   3.989539     1.19   0.234    -3.067745    12.57103
  employment |   .9650292   1.451679     0.66   0.506    -1.880222     3.81028
   income_10 |  -3.654603   4.607515    -0.79   0.428     -12.6852    5.375999
   income_15 |  -5.296816   4.403746    -1.20   0.229    -13.92804    3.334404
   income_20 |  -5.237241   4.135552    -1.27   0.205    -13.34281    2.868326
   income_25 |  -3.969215   4.068825    -0.98   0.329      -11.944    4.005569
   income_30 |  -5.495508   4.042301    -1.36   0.174    -13.41831    2.427289
   income_35 |  -6.545028    4.14742    -1.58   0.115    -14.67385      1.5838
   income_40 |  -7.978081   4.208782    -1.90   0.058    -16.22718    .2710139
   income_45 |   -13.1542   4.391399    -3.00   0.003    -21.76122   -4.547184
   income_50 |  -8.095392   3.538599    -2.29   0.022    -15.03095   -1.159836
   income_60 |  -6.166543   3.406442    -1.81   0.070    -12.84307    .5099879
   income_75 |  -4.254647   3.377265    -1.26   0.208    -10.87399    2.364698
  income_100 |   5.009084   4.117685     1.22   0.224    -3.061464    13.07963
  income_125 |   16.59505    5.43139     3.06   0.002     5.949673    27.24042
  income_150 |   23.60408   5.407735     4.36   0.000     13.00507    34.20309
  income_200 |   11.46045   3.850128     2.98   0.003     3.914305    19.00659
      vacant |   .1243962    1.32241     0.09   0.925     -2.46749    2.716283
      ownocc |   3.063193   .8201799     3.73   0.000     1.455663    4.670723
    withmort |  -1.231775   .9175319    -1.34   0.179    -3.030112    .5665618
medianrent_b |   1.665627   .3088006     5.39   0.000     1.060386    2.270867
         mhv |   .0157794   .0011721    13.46   0.000      .013482    .0180767
       _cons |  -42.28009   2.699628   -15.66   0.000    -47.57128   -36.98889
-------------+----------------------------------------------------------------
     sigma_u |  9.1676572
     sigma_e |  35.127059
         rho |   .0637699   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2956, 289313) =     1.18        Prob > F = 0.0000

. xtreg limit bal pctblack sc_black tr_am $demographics $incemp $housing if insample2==1, fe

Fixed-effects (within) regression               Number of obs      =    340971
Group variable: stcnty                          Number of groups   =      2975

R-sq:  within  = 0.5862                         Obs per group: min =         1
       between = 0.6549                                        avg =     114.6
       overall = 0.5959                                        max =     11688

                                                F(38,337958)       =  12596.75
corr(u_i, Xb)  = 0.0328                         Prob > F           =    0.0000

------------------------------------------------------------------------------
       limit |      Coef.   Std. Err.      t    P>|t|     [95% Conf. Interval]
-------------+----------------------------------------------------------------
         bal |   1.339506   .0021674   618.03   0.000     1.335258    1.343754
    pctblack |   19.86771    .979337    20.29   0.000     17.94824    21.78719
    sc_black |  -.0329812   .0015224   -21.66   0.000    -.0359651   -.0299973
       tr_am |   .0739778   .0003933   188.10   0.000      .073207    .0747486
         age |   .0875689   .0035935    24.37   0.000     .0805257    .0946122
  gt_hs_male |    3.59716   1.546632     2.33   0.020     .5658062    6.628514
  eq_hs_male |  -1.765014   1.752517    -1.01   0.314    -5.199897    1.669868
gt_hs_female |   2.853716   1.742469     1.64   0.101     -.561474    6.268905
eq_hs_female |   4.943719   1.865187     2.65   0.008     1.288008    8.599431
nonmar~_male |  -1.857711    1.50784    -1.23   0.218    -4.813034    1.097613
nonmar~emale |  -8.747026   1.701667    -5.14   0.000    -12.08224   -5.411809
widowed_male |   3.147325   4.851061     0.65   0.516    -6.360614    12.65526
widowed_fe~e |  -3.251519   2.114451    -1.54   0.124    -7.395781    .8927429
divorced_m~e |  -.4949305   2.544801    -0.19   0.846    -5.482667    4.492806
divorced_f~e |   7.585563   2.358396     3.22   0.001     2.963175    12.20795
 foreignborn |   4.923439   1.134982     4.34   0.000     2.698906    7.147972
publicassi~e |   4.429885   3.356596     1.32   0.187    -2.148945    11.00872
  employment |   .2098793   1.263658     0.17   0.868    -2.266854    2.686612
   income_10 |  -2.817938   3.945959    -0.71   0.475     -10.5519    4.916027
   income_15 |   -4.98498   3.773412    -1.32   0.186    -12.38076    2.410799
   income_20 |  -4.385848   3.542752    -1.24   0.216    -11.32954    2.557842
   income_25 |  -2.908648   3.506148    -0.83   0.407    -9.780596    3.963299
   income_30 |  -5.651143   3.481872    -1.62   0.105    -12.47551    1.173225
   income_35 |  -6.377342   3.585451    -1.78   0.075    -13.40472    .6500375
   income_40 |  -7.452464   3.643502    -2.05   0.041    -14.59362   -.3113064
   income_45 |   -12.0456   3.807008    -3.16   0.002    -19.50723   -4.583973
   income_50 |  -8.811873   3.065842    -2.87   0.004    -14.82083   -2.802911
   income_60 |  -6.406158   2.951669    -2.17   0.030    -12.19134   -.6209723
   income_75 |  -4.667377   2.939118    -1.59   0.112    -10.42796    1.093209
  income_100 |   5.337988   3.616775     1.48   0.140    -1.750787    12.42676
  income_125 |    16.3452   4.813208     3.40   0.001     6.911456    25.77895
  income_150 |   24.06718   4.800004     5.01   0.000     14.65931    33.47505
  income_200 |    11.5407   3.392821     3.40   0.001     4.890866    18.19053
      vacant |   .1280379   1.156968     0.11   0.912    -2.139586    2.395662
      ownocc |   2.813485   .7123564     3.95   0.000     1.417287    4.209683
    withmort |  -1.076967   .7907763    -1.36   0.173    -2.626865    .4729321
medianrent_b |   1.641884   .2767491     5.93   0.000     1.099464    2.184304
         mhv |   .0148203   .0010438    14.20   0.000     .0127745     .016866
       _cons |   -36.0804   2.297534   -15.70   0.000     -40.5835    -31.5773
-------------+----------------------------------------------------------------
     sigma_u |  8.0148538
     sigma_e |  33.059731
         rho |  .05551226   (fraction of variance due to u_i)
------------------------------------------------------------------------------
F test that all u_i=0:     F(2974, 337958) =     1.21        Prob > F = 0.0000

. 
. drop if insample1==0
(294492 observations deleted)

. save /hmda/hmda1/m1kpb00/CohenCole/Work/ForBootstraps, replace
file /hmda/hmda1/m1kpb00/CohenCole/Work/ForBootstraps.dta saved

. 
. 
. 
end of do-file

. sum year

    Variable |       Obs        Mean    Std. Dev.       Min        Max
-------------+--------------------------------------------------------
        year |    292308    2003.477    .4994772       2003       2004

. exit
